Public and Employers' Liability Insurance

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Public and Employers' Liability Insurance (PL & EL) is tailored to provide your business with the protection required to meet your statutory obligations.

Public Liability Insurance

Public Liability Insurance will indemnify you for your legal liability for injury or death to third parties and damage to third party property as a result of negligent acts by you or your employees. The insurance will also cover third party costs and expenses.

The cover is extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.

Employers' Liability Insurance

Employers' Liability Insurance will indemnify you for your legal liability for injury or death to employees, including claimants' costs and expenses.

The cover is automatically extended to include temporary employees provided the total number of days for such employees does not exceed 50 days during any one period of insurance.

Employers' Liability Insurance is compulsory for any business that has one or more employees whether they are permanent, part time or temporary. The only exception to this is a Limited Company where you are the only employee and you own at least 50% of the issued share capital of the company. In this case you are exempt from the need to purchase Employers' Liability Insurance.

You should note that Employers' Liability Insurance cannot be purchased in isolation and is only available where Public Liability Insurance is purchased.

Summary of Cover

Public Liability

  • Limit of liability of £1,000,000.
  • Covers legal liability for injury or death to third parties and damage to third party property

There are a number of extensions and additional benefits which we can discuss with you in detail.

Employers' Liability

Legal liability for injury or death to employees including claimant's costs and expenses with a limit of liability of £10,000,000.

 

Extensions and Additional Benefits to the Employers' Liability cover include:

  • Legal defence costs for Health & Safety at Work etc. Act 1974
  • Indemnity to Principal - Employees Unsatisfied Damages
  • Court Attendance Compensation
  • Temporary employees for up to 50 days (at least one permanent employee, manual or clerical as appropriate for the trade, must be covered for this extension to be applied)

There are a number of exclusions and conditions and we can discuss these with you in detail.